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Key Wealth's National Call: Year-End Planning — Actions to Consider Before 2027

  • 5 Min Read
<p>Key Wealth&#39;s National Call: Year-End Planning — Actions to Consider Before 2027</p>

Key Takeaways

As you prepare for the end of 2026, consider how individual planning decisions fit within your complete financial picture.

  • Coordinate year-end tax decisions with long-term goals. Review opportunities involving income timing, tax-bracket management, capital gains and losses, deductions, and other planning considerations in the context of your broader wealth strategy.

  • Review retirement accounts and Roth strategies. Evaluate contribution levels, catch-up opportunities, beneficiary designations, future required minimum distributions, and whether a Roth conversion may be appropriate for your circumstances.

  • Revisit estate and legacy plans. Estate planning can involve more than federal estate taxes. Consider beneficiary selections, fiduciary appointments, incapacity planning, digital assets, family coordination, and whether existing documents continue to reflect your wishes.

  • Make charitable giving part of the broader plan. Donor-advised funds, qualified charitable distributions, appreciated-asset gifts, and charitable bunching may offer planning opportunities depending on your goals and circumstances.

  • Connect business and personal planning. Business owners may benefit from reviewing retirement plans, entity-level planning, cash flow, succession planning, business valuation, ownership transfers, and the relationship between business success and personal wealth.

  • Take action before December 31. A comprehensive planning review can help identify which tax, retirement, estate, charitable, or business-planning decisions require attention before year-end. 
     

Effective year-end planning rarely centers on one decision. It involves understanding how the different elements of your financial life connect and taking intentional steps that support the future you want for yourself, your family, your business, and the causes that matter to you. Connect with your advisor to discuss which planning considerations may be most relevant to your circumstances.

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